28809 Windover St, Wesley Chapel, FL 33545 Property Records

Pasco County property record for 28809 Windover St, Wesley Chapel, FL 33545

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,385 sqft · built 1996
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Feb 2022)
Tax Bill	$6,250 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-20-0040-00300-0030`

Property Details

APN / Parcel Number

Primary APN	`06-26-20-0040-00300-0030`
Alternative APNs	`2026060040003000030` `0489604`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,385 sqft Living Area
Gross Area	2,785 sqft
1st Floor Area	2,105 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,600 sqft (0.152 acres)
Garage Type	Attached
Garage Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	411 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	28809 WINDOVER ST
City	WESLEY CHAPEL
State	FL
Zip	33545-4367
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	VILLAGES AT WESLEY CHAPEL PHASE 3C PB 32 PGS 140-142 LOT 3 BLOCK 3
Legal Range	20E
Legal Township	26S
Legal Section	06
Legal Subdivision	VILLAGES AT WESLEY CHAPEL
Legal Tract	40
Legal Block	3
Legal Lot Number	3
Jurisdiction	PASCO FL
Township / Civil Division	CENTRAL PASCO
Census Block Group	1
Census Block	1001
Census Tract	32104

Owner

Source: Pasco County records, as of October 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	28809 WINDOVER ST, WESLEY CHAPEL, FL 33545-4367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Feb 10, 2022	Warranty Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Jul 22, 2021	Warranty Deed, Transfer OS NATIONAL LLC
Mar 20, 2018	Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2022 · Amount on Record
Deed Sale	Feb 10, 2022 · Amount on Record
Prior Sale	Jul 22, 2021 · Amount on Record
Deed Document Number	202235309
Deed Book / Page	10548 / 3753
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	28809 WINDOVER ST, WESLEY CHAPEL, FL 33545-4367
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28809 WINDOVER ST, WESLEY CHAPEL, FL 33545-4367

Mortgage

Document Number	0107041357
Date	Oct 11, 2022
Book Page	10704/1357
Instrument	2022219363

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Feb 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Feb 10, 2022
Property Address	28809 WINDOVER ST, WESLEY CHAPEL, FL 33545-4367
Document Number	0105483753
Book / Page	10548 / 3753
Map Reference	MB 32 PG 140-142
Instrument Date	Jan 25, 2022
Instrument	2022035309
Transaction Type	Transfer
Record Updated	Feb 23, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85281-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28809 WINDOVER ST, WESLEY CHAPEL, FL 33545-4367

Mortgage

Document Number	0105483755
Date	Feb 10, 2022
Instrument	10548/3755

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Jul 22, 2021
Property Address	28809 WINDOVER ST, WESLEY CHAPEL, FL 33545-4367
Document Number	0103980468
Book / Page	10398 / 468
Map Reference	MB 32 PG 140-142
Instrument Date	Jul 16, 2021
Instrument	2021153310
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$2,452.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1804 1ST ST NW, RUSKIN, FL 33570-3324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	28809 WINDOVER ST, WESLEY CHAPEL, FL 33545-4367
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096951640
Date	Mar 20, 2018
Book Page	9695/1640
Instrument	2018046636

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

Source: Pasco County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pasco County
Unified School District	Pasco County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$356,191 (-0.12%) Land $61,116 Building $295,075	$356,191 (-0.12%) Land $61,116 Building $295,075
2025	$6,250.00 (+4.46%)	$356,629 (+4.74%) Land $61,116 Building $295,513	$356,629 (+4.74%) Land $61,116 Building $295,513
2023	$5,983.00 (+19.4%)	$340,483 (+11.76%) Land $56,562 Building $283,921	$340,483 (+11.76%) Land $56,562 Building $283,921
2022	$5,011.00	$304,667 Land $47,124 Building $257,543	$304,667 Land $47,124 Building $257,543

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PCUD-PASCO COUNTY REGIONAL PWS serves 214,403 people · EPA ID FL6511361
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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